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Our assignment

Foursquare Financial Solutions (FFS) exists to partner with churches, leaders and individuals in the Foursquare community to provide faith-aligned investment and loan solutions that empower you with financial stewardship resources and support your God-given vision and mission.

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Large congregation gathered in church with wooden interiors, engaged in a service.

Our vision

We envision a thriving network of Foursquare churches and ministries, financially equipped to grow, serve and transform communities for Christ.

Commit to the Lord whatever you do, and He will establish your plans. – Proverbs 16:3

What we offer

When you partner with FFS, your church becomes part of a larger story 

Values-aligned certificate
investments

Individuals and churches in the Foursquare family can earn attractive yields, knowing your funds are helping Foursquare churches thrive. Investments with Foursquare Financial Solutions (FFS) provide funds for loans to Foursquare churches and organizations in the US.

Ministry-focused
loans

We provide financing for property purchases, new construction, renovations, refinances and expansions to qualified Foursquare churches in the U.S., empowering them to stay on mission, expand ministry and reach their communities with the Gospel.

What we see God doing

400+
Investors

Practicing purpose-driven stewardship and earning an attractive return

$60 Million Entrusted

Creating opportunities for churches to fund spaces where Jesus is encountered

200+ Ministries Financed

Representing spaces built or renovated, debt refinanced to reduce strain on ministry budgets, campuses expanded for next generation ministry, and so much more

  • “I’m delighted to recommend FFS! Build the kingdom while building your own finances and help your future with wonderful interest rates.” 
    Sterling Brackett
    Retired Foursquare Board member

Invest with purpose

Imagine your excess funds actively strengthening the broader Church.

When you invest with Foursquare Financial Solutions as a church or individual, your funds do more than earn healthy returns—they help finance ministry growth across the Foursquare movement.

Current rates and promotions

Current Rates + Promotions (PDF)

Why invest with FFS? 

  • Values-aligned investing
  • Attractive returns
  • Direct impact on Foursquare churches
  • Online account access 
  • Human support

Investing FAQs

The minimum investment to open a new certificate is $1,000 for term and $5,000 for demand.

Interest is compounded quarterly.

For your convenience, account statements are now available on demand using our Online Portal. To sign up for online access or for questions regarding your online access, please email loan@foursquare.org. 

You will receive notice by email within 30 days (or less) of your maturity date, outlining your current investment options. We are available to discuss your options at 213-989-4431.

You will receive an email within 30 days of maturity that outlines your options. For any other changes to your certificate, please email us at loan@foursquare.org or call us at 213.989.4431. 

There is a small interest penalty based on the term of investment as follows and stated by the offering circular.

  • Up to 60 days of interest for 1-year investment certificates
  • Up to 75 days of interest for 2-year investment certificates
  • Up to 90 days of interest for 3-year investment certificates
  • Up to 105 days of interest for 4-year investment certificates
  • Up to 120 days of interest for 5-year investment certificates

Request transfers anytime, with funds in your account within 3 business days. Penalties may apply for term products.

The interest may be paid on a periodic basis by EFT. Please make sure to complete the EFT portion of the application if you desire interest to be paid to you.

Let’s explore what wise stewardship could look like you

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  • “Earn good investment rates and enjoy convenient online access to account information.”
    Scott Shiroma
    Senior pastor at New Hope East Hawaii

Loans

Imagine a lending partner who understands how churches actually live and lead

  • Experience: FFS uniquely understands church finances and lending.
  • Partnership: We have a deep commitment to financial education and solutions—not just a transaction—and we understand the Foursquare organization.
  • Higher Purpose: Interest paid on loans is used to expand Foursquare’s mission, including funding more loans to other ministries.
  • Relationship: Our team is here to serve and ensure a smooth and clear loan process.

Financing ministry growth

Your church has a vision. Let’s fund it.

Foursquare Financial Solutions provides faith-aligned financial solutions rooted in wise stewardship, walking alongside churches and leaders to grow, serve and transform communities for Christ.

We provide flexible, competitive financing for Foursquare churches and affiliated organizations in the U.S. seeking to purchase, refinance, build, renovate or expand ministry facilities.

Permanent loans

Foursquare Financial Solutions has a broad selection of custom mortgage products available to fit your Foursquare ministry’s needs and budget. FFS offers competitive rates and solutions. Flexible terms for permanent, fully amortized first mortgage financing are available to help you purchase, construct, renovate facilities or refinance existing loans.

Small loans program

Whether your ministry has a leaky roof needing repair, a parking lot needing expansion or a small renovation project, Foursquare Financial Solutions offers loans as small as $50,000.

Construction loans

Our loan program provides flexible financing for Foursquare ministries undertaking new construction, renovation and expansion. Interest-only payments may be available to ease cash flow during the construction period, with a guaranteed, no-cost conversion to permanent financing at competitive rates and terms after the construction period.

Loan FAQs

We’ll ask for a simple application, recent financial statements and a few supporting documents so we can understand your church’s goals and financial picture.

For prequalification, you can typically expect initial feedback within 2–3 weeks after we receive your financials. From initial inquiry through closing, the full process usually takes about 90–120 days.

The exact amount depends on your church’s full financial picture and is confirmed through a prequalification review with a focus on long-term stewardship and ministry sustainability. At a high level, churches can often afford a loan of about two to three times their annual, unrestricted operating income (subject to review).

Loans generally require a 20% down payment. Please reach out if you have questions or want to explore your options.

Underwriting is a careful review of your church’s finances and plans with a focus on stewardship and ensuring your church’s long term stability. See this link to financial ratios, if you’d like more information.

After prequalification, once we receive your complete information, initial review and approval typically happens within a few weeks, depending on complexity.

Loans typically are funded within 30 days of formal loan approval.

Loan process

Here’s what most churches experience when partnering with FFS. We’ll help you discern, not pressure you

A church completes the “Apply Now” form and provides preliminary information including financials to request a prequalification. 

The church receives a high-level prequalification overview of the potential loan terms (interest rate options, amortization period, loan term and amount) for discussion with their leadership council and determination if the church wants to proceed with a formal loan request.

Should the leadership council decide to proceed with a formal loan request, any additional needed documentation is requested from the church and further due diligence is completed.

Construction Loans

Since construction loans have higher risk, specific documents are required, such as the architect’s plans, costs, contractor information, evidence of insurance and other related documents. To protect the church, FFS Loan Fund often requires that the church use a project control manager and prior approval of all invoices, including lien releases, before funding payment requests.

If the formal loan request is approved by the FFS Loan Fund Loan Committee, the church will receive a commitment letter detailing the terms and conditions of the financing offer and will have 30 days to decide to proceed with the approved loan by signing and returning the commitment letter.

After receiving the signed commitment letter, there is a dual-track process for charter (not covenant) churches, where International Church of the Foursquare Gospel (ICFG) Board approval (as borrower) will be requested by the ICFG Properties Department. When due diligence is completed, FFS Loan Fund will initiate the closing process.

Timing

FFS understands that time is of the essence in lending, and the goal is to help you move through the lending process as quickly and efficiently as possible. Typically, it takes 3-4 weeks for both ICFG approval and for the loan to be subsequently closed. With construction loans, sometimes closing can take additional time due to the increased due diligence requirements both with FFS Loan Fund and ICFG.

Be assured that you and your church will have experienced FFS Loan Fund staff to help you through the process.

Schedule a loan consultation

Many churches start with questions, not applications. Whether your ministry has questions about the loan process, what type of loan is right for your situation, or you’re just ready to get the application started, schedule a consultation with one of our loan specialists today!

Schedule Consultation
Apply for a Loan 
  • “FFS has been such an incredible blessing. The way we do ministry looks the way it does because of FFS.”
    Nakisha Wenzel
    Senior pastor at Kings City Foursquare Church

Online portal access

  • Investments
  • Loans
  • Statements
Log in to Your Account

Meet the team

Nathan
Breuker

Loan services team leader

Nathan provides leadership and oversight for loan and investment services, ensuring churches receive thoughtful guidance and responsive support throughout the life of their loan and/or investment term.

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Kevin
Beltran

Portfolio analyst

Kevin supports the health and performance of the loan and investment portfolio through analysis, reporting, and ongoing financial review.

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Nathan
Cook

Portfolio service representative

Nathan serves as a day‑to‑day point of contact for loan and investment servicing, helping churches navigate payments, questions, and ongoing account needs.

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Lori D.
Frazier

Relationship lead

Lori builds and maintains strong relationships with churches and individual investors, coordinating investment servicing support with care, clarity, and consistency.

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Tyler
Ingram

Account executive/underwriter

Tyler guides churches through the financial aspects of the loan process, applying thoughtful underwriting and relational insight to structure loans that support long‑term ministry health.

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Liz
Tapelt

Loan operations coordinator

Liz guides churches through the loan process from inquiry to closing, serving as their primary point of contact while overseeing operations, documentation, and compliance to ensure a smooth and timely closing.

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Contact FFS

Need additional help? We are ready to support you and your church.

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